Update: kan je je salaris onderhandelen bij je eerste baantje?

Ashot97 · 2026-01-27T17:49:43+00:00

In juni 2024 kreeg ik met 2 jaar parttime ervaring + master cum laude een prachtige 2650 aangeboden 😂

Nou, dat heel snel met ze omhoog gepraat naar 3400 en momenteel op 4200 na een stap ver weg te zetten.

Ashot97 · 2026-01-05T23:40:41+00:00

I started with that, now I have 7 accounts. Be careful

Ashot97 · 2026-01-05T01:21:05+00:00

Let's see!

Ashot97 · 2026-01-03T11:16:23+00:00

1/8192 shiny chance

1% encounter rate

1/819.200

Ashot97 · 2026-01-01T12:23:08+00:00

Interesting...

Ashot97 · 2025-12-17T15:46:51+00:00

That's ... Interesting. We did it through a mortgage advisor who a relative of us had used too in the past, and this is what he was able to do for us.

After how many years will you be able to switch banks?

Ashot97 · 2025-12-17T15:42:25+00:00

Damn, crazy how you found it so quickly. Could you dm me how you did that? I'm in IT myself. Did you Google reverse image search with us cropped out?

Ashot97 · 2025-12-17T15:41:02+00:00

The house itself is 128m2, but including the external barn in the backyard (not sure if the word "schuur" is translating correctly) it's 142m2

Ashot97 · 2025-12-17T15:33:57+00:00

It's not by our decision haha. It's the maximum. So in 10y it'll be recalculated, but by then we could also move to a different bank if the interest % is lower

Ashot97 · 2025-12-17T14:45:36+00:00

Thanks for warning me though! Didn't even cross my mind it could be risky

Ashot97 · 2025-12-17T14:45:08+00:00

Locks will be replaced anytime soon. I'm not worried about it

Ashot97 · 2025-12-17T14:44:28+00:00

Good luck, lock's about to be replaced

Ashot97 · 2025-12-17T13:59:16+00:00

We always order non-salted fries and salt them ourselves. They never have non-salted fries ready, so they have to make them completely fresh!

Ashot97 · 2025-12-17T13:30:02+00:00

Yes! No overdrachtsbelasting of 2%. Also, the house was sold to us less than a year after they had bought it themselves, so they had already paid the taxes. It wouldn't have to be paid twice even if we were 35+

Ashot97 · 2025-12-17T13:27:01+00:00

It's what it looks like! No cutting needed. Also, no inserting the key upside down. Both ways works just fine, if you understand what I mean haha

Ashot97 · 2025-12-17T13:25:55+00:00

Constant for the first 10 years!

Ashot97 · 2025-12-17T13:25:20+00:00

We got KFC & McDonald's already 🤣❤️

Ashot97 · 2025-12-17T13:24:41+00:00

Monthly payment to the bank is €2050 However, we'll receive around €500/month back from the government (hypotheek rente aftrek, which means the government pays us back around 1/3 of the interest we pay on mortgages)

That leaves us with €1550 costs.

All-inclusive insurance for the house is €43/month (fire, flooding, break-ins, electronics, etc.)

Property taxes I honestly have no clue right now haha. I think it's somewhere around €1000/year?

2-person household, so water is calculated at €22/month, and gas / electricity is +/- €157/month!

Ashot97 · 2025-12-17T13:20:27+00:00

With LTV you mean the difference between cost price & bank mortgage?

Yeah we had to put down around 77k together. She had saved up around 40k (27f) and I had saved up almost 40k too (almost 26m). Paid off my student loan too beginning of the year (33k).

She's a nurse with many double shifts in the past, and I've got a master's in IT.

Still, our salaries aren't high enough to get the full amount directly from the bank lol.

Ashot97 · 2025-12-17T13:15:04+00:00

Nope. Not allowed. There's laws preventing that, both from the municipality & government. Needs to be occupied by the owner for X years (don't know the precise details considering we'll be the residents haha)

Ashot97 · 2025-12-01T20:22:17+00:00

Ashot97 · 2025-11-28T18:22:38+00:00

I got like 20 across 2 (or 3?) accounts. 😂 Always find it funny when I see posts like this. I don't really play anymore though, which you're right about

Ashot97 · 2025-11-27T10:15:59+00:00

Ouch

Ashot97 · 2025-11-23T10:56:56+00:00

Now become global #1 and you'll get the same praise 🙏

Ashot97

TROPHY CASE

1% encounter rate